Sr Manager, Credit Risk - Collections Strategy

Target • Brooklyn Park, MN

5d • $132,000 - $238,000 • Hybrid

About The Position

Working at Target means helping all families discover the joy of everyday life. We bring that vision to life through our values and culture. Learn more about Target here. The Financial Products and Services team aspires to create and lead the future of FP&S that elevate every Guest experience and drive Target’s long-term profitable growth. We manage and evolve financial products and services that strengthen guest loyalty, simplify financial experiences, and fuel Target’s growth. Our Circle Card team owns the day-to-day servicing and strategies associated with your Target Circle Debit, Target Circle Credit Card and Co-Branded Target Circle Mastercard Credit Card products. As a Sr. Manager, Credit Risk, you’ll work under the direction of a Director Credit Risk to use a risk/reward methodology to analyze credit and debit policies and strategy decisions, gather relevant internal and external data, use a variety of tools and techniques to perform statistical and financial analysis that create actionable decisions, implement strategic initiatives through an adaptive control methodology that leads to optimal performance and continual learning, and disseminate results through reporting and presentations to both senior management and impacted business lines. We’ll support you along the way with robust onboarding, as well as personal and career development, to help you grow as a strong Sr Manager, Credit Risk. The exciting part of retail? It’s always changing! Core responsibilities of this job are described within this job description. Job duties may change at any time due to business needs. About you: B.S. in Economics, Statistics, Engineering, Computer Science, or related field (Masters preferred) Minimum of 5 years of relevant financial services experience Knowledge of data analytics and reporting Strong written and verbal communication skills Experience in financial services industry and knowledge of best practices Collections, credit bureau reporting, or other operations experience a plus This position may be considered for a Remote or Hybrid (known internally at Target as "Flex for Your Day") work arrangement based on Target's needs. A Remote work arrangement means the team member works full-time from home or an alternate location that's not a Target location, does not have a desk at a Target location and may travel to HQ up to 4 times a year. A Hybrid/Flex for Your Day work arrangement means the team member's core role may be performed either remote or onsite at a Target location depending upon what your role, team and tasks require for that day. Work duties cannot be performed outside of the country of the primary work location, unless otherwise prescribed by Target. Benefits Eligibility Please paste this url into your preferred browser to learn about benefits eligibility for this role: https://tgt.biz/BenefitsForYou_E Americans with Disabilities Act (ADA) In compliance with state and federal laws, Target will make reasonable accommodations for applicants with disabilities. If a reasonable accommodation is needed to participate in the job application or interview process, please reach out to [email protected]. Non-accommodation-related requests, such as application follow-ups or technical issues, will not be addressed through this channel. Application deadline is : 02/19/2026 Target is one of the world’s most recognized brands and one of America’s leading retailers. We make Target our guests’ preferred shopping destination by offering outstanding value, inspiration, innovation and an exceptional guest experience that no other retailer can deliver. Target is committed to responsible corporate citizenship, ethical business practices, environmental stewardship and generous community support. Since 1946, we have given 5 percent of our profits back to our communities. Our goal is to work as one team to fulfill our unique brand promise to our guests, wherever and whenever they choose to shop. We'll contact you if you're selected for next steps. In the meantime, follow us at A Bullseye View for the latest news. Our Benefits We care about and invest in you as a team member, so that you can take care of yourself and your family. Target offers eligible team members and their dependents comprehensive health benefits and programs, which may include medical, vision, dental, life insurance and more, to help you and your family take care of your whole selves. Other benefits for eligible team members include 401(k), employee discount, short term disability, long term disability, paid sick leave, paid national holidays, and paid vacation. Find competitive benefits from financial and education to well-being and beyond at https://corporate.target.com/careers/benefits.

Requirements

• B.S. in Economics, Statistics, Engineering, Computer Science, or related field (Masters preferred)
• Minimum of 5 years of relevant financial services experience
• Knowledge of data analytics and reporting
• Strong written and verbal communication skills
• Experience in financial services industry and knowledge of best practices

Nice To Haves

• Collections, credit bureau reporting, or other operations experience a plus

Benefits

• comprehensive health benefits and programs, which may include medical, vision, dental, life insurance and more
• 401(k)
• employee discount
• short term disability
• long term disability
• paid sick leave
• paid national holidays
• paid vacation

What This Job Offers

• Job Type: Full-time
• Career Level: Manager